Are You Ready to Buy Your Home?
Vision Realty, REALTORS®
Knowledge and experience are
The Real Estate Professionals at Vision Realty have years of experience and training that can be the essential keys to your successful home purchase.
One of the keys to making the home buying process easier
and more understandable is planning. If you plan ahead,
you'll be able to anticipate requests that lenders will make during the
home application process and the paperwork that will need to be completed
during the buying process.
Do You Know What You Want?
Whether you are a first-time homebuyer or entering the market
place as a repeat buyer, you need to ask why you want to buy.
Whatever your answers, the more you know about the real estate marketplace, the more likely you are to effectively define your goals.
It can be worthwhile to look at the questions above and
Homes and financing are closely intertwined. (Financing is the difference between the purchase price and the down payment, commonly referred to as "debt or the mortgage"). Over the years new and innovative loan programs have evolved which require a 5% or down payment or less. There are a number of programs now that allow purchasers to buy real estate with nothing down.
In addition to a down payment, purchasers also need cash for closing costs (the final costs associated with closing the loan). Several loan programs not only allow the purchase of a home with no money down, but also underwrite the closing costs.
It may also be possible to negotiate an offer for a home that requires the owner to pay some or all of your settlement expenses.
These great loans with little or nothing down are not available to everyone. You need good credit. For at least one year prior to purchasing a home, you should assure that every credit card bill, rent check, car payment and other debt is paid in full and on time.
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500 Mena St.
Mena, AR 71953
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